Biswanath Ghosh
Banking and Finance
Bhilai
Summary
Looking for challenging career options in Sales and Marketing / Business and Product Development / Vertical Management / CRM in an organization of high repute.
Over 16 years of experience in Business Development, Sales and Marketing, HNW Relationship. Started career with IDBI Bank as a Sales Manager CaSa acquisition then moved to PNB Principal Mutual Fund, then joined as retail branch banking in HSBC bank, then moved to Citi Financial and gather experience in retail asset sales. Currently associated with HDFC Bank Ltd, Shankar Nagar as a Branch Manager in one of the Metro Branches of Raipur, Chhattisgarh. Demonstrated abilities in increasing the market share in competitive scenario along with expansion of versatile product distribution. Possess in capturing market opportunities across product segment by doing different sales and marketing activities in societies and other marketplaces as and when required to do so. Possess enriched knowledge base and core experience in Key & HNW Account Management, Sales Analysis and Performance Management. Proficient in leading, training & monitoring the performance of team members to ensure efficiency in Sales, Branch Operations and meeting of targets within stipulated timeline. Possesses to develop the business size rubbing shoulders with all the vertical managers having respective ownership of products. Possess ownership of all kind of administrative activities in branch along with all branch operational activities including compliance and regulatory requirements. Always enthusiastic in hand holding newly joined staff to motivate them in pursuing and achieving all kinds of management expectations. Served in all RBI category geographies viz Rural, Semi-Urban, Urban and Metro locations. Organized and dependable candidate successful at managing multiple priorities with a positive attitude. Willingness to take on added responsibilities to meet team goals. To seek and maintain full-time position that offers professional challenges utilizing interpersonal skills, excellent time management and problem-solving skills.
Overview
19
19
years of professional experience
10
10
years of post-secondary education
3
3
Certifications
Work History
Branch Manager
HDFC Bank
04.2022 - Current
- Branch book size has been doubled and added 75 Crores in on 2 FY. Improved customer satisfaction ratings by enhancing service quality and resolving client issues promptly at Risali Bhilai branch.
- Added around 250 customers in retail current account segment in just 2 FY.
- Continuously monitored branch performance against key performance indicators, taking corrective actions as needed to ensure objectives were met or exceeded.
- Engaged employees in business processes with positive motivational techniques.
- Resolved various issues impacting sales management and business operations.
- Increased branch profitability by implementing cost-saving measures and streamlining operational processes.
- Strengthened relationships with key clients, securing long-term partnerships and driving revenue growth.
- Collaborated with senior leadership on strategic planning initiatives to align branch objectives with corporate goals.
Branch Manager
HDFC Bank Ltd
04.2013 - 03.2022
- Handling retail branch as a branch manager
- All sales targets of SB (Including NRI), CA, Sal
- And TD number along with values to be met
- Income targets of personal bankers, branch sales managers need to be met month on month
- All retail asset products like home loans, loan against securities, gold loan, personal loan, business loan, auto loan, two-wheeler loan etc needs to be met
- Apart that business asset target like working capital, loan against properties, commercial vehicle, construction equipment, emerging enterprise group loan etc to be covered month on month
- Third party products like insurance, mutual funds (Bulk and SIP separately), general insurance and standalone health insurance are also the part of total targets
- Enhanced staff competency with regular training sessions, boosting productivity levels across the branch operations.
- Apart that cross sale products like demat-HSL, credit cards are also part of overall target
- Apart from all sales target, monthly operational check list to be submitted as a part of internal audit
- All admin works inside the branch must monitored on a daily basis
- Presently handling Raipur Shankar Nagar Branch from August 2019
- All NAV targets for SB, CA and Sal
- Has already achieved along with overall retail liabilities, apart that NR retail liabilities has been achieved separately
- Overall YTD retail and business assets has been achieved
- In all there are 14 Staffs reporting into me out of which 8 staffs are direct reportees
- In the FY – 18-19 I had acquired the relationship of National Institute of Technology along with Ayurvedic College, though State Bank of India was serving inside the premises and brilliantly prepared a pipeline of more than 400 premium salary accounts of professors, lecturers and junior staffs
- In the FY – 17-18 my branch had acquired a relationship of group under which 5 different colleges were operating and it was first of kind in the entire state of Chhattisgarh under the E-Com business where complete solutions were being provided including payment gate way, Online Fee collections, CMS facilities for cash and cheque pick up
- This relationship has given a average balance of 2 Cr, which meant a lot to a semi-urban branch
- In the FY – 15-16 I had acquired 22 different accounts of Municipal corporation along with 200 salary accounts which eventually gave a float of 20 Cr to the branch
- This has been done with a strategic solution for PFMS payments under housing for all scheme
- In the FY – 13-14 I had acquired Jila panchayat and 14 Finance commissions account which gave a float of more than 5 Cr which was eventually a 500% target for a semi-urban branch in a newly built district
- In the FY – 12-13 I had acquired the relationship of municipal council with an average float of more than 4 Cr
- In the then branch at Mungeli (That time a rural branch in the state of Chhattisgarh)
- After this achievement, that was the maiden visit of business banking head in such a small location
- After his visit he had given the branch a challenging task of 500 new acquisition of farmer’s account against the perforated target of 180 accounts
- Branch had accepted the challenge in its style and had acquired 750 farmer accounts in just two months and got an appreciation from BBH
- Above mentioned facts were only the key highlights of the career path with HDFC bank, apart that, during my tenure with the bank none of the Audits Reports were Unsatisfactory or Adequate not even Satisfactory with increasing trend of risk, all reports released for the respective branches were Satisfactory with either Decreasing or Stable risk
- I had been rated 1 (Three times), rated 2 (Three times) and rated 3 (Two times) during my stint with the bank
- NB : 1 Rating is considered to be the best in system and 5 to be the worst but recently it has been brought down to a total of 4 categories of rating.
Branch Manager
HDFC Bank
04.2011 - 03.2013
- Monitored market trends to identify new business opportunities and capitalize on potential growth areas within the community or region served.
- Ensured regulatory compliance through diligent adherence to industry standards, guidelines, and company policies.
- Created strategies to develop and expand new customer base, resulting in increase in annual sales.
- Coordinated marketing campaigns tailored towards target audience segments resulting in increased brand awareness within the local community.
Branch Manager
Citi Financial
04.2008 - 03.2011
- Joined as a Branch manager and was handling two branches at Raipur city and immediately after my joining I had recommended for merger of two branches into one owing to brought down the cost of operating, which had been considered and appreciated by the management
- I was responsible for acquisition of personal loan and two-wheeler loan business, at later stage mortgage loans and third-party products had been added into the targets
- MoM PL and TwL targets were being achieved along with numbers and values
- Over a period of three FY, branch had touched the 100cr mark in mortgage business
- In the year 2010 Citi Financial had decided to close all business activities from India Inc
- Than I had decided to quit.
Asst. Manager Sales
HSBC Bank
06.2006 - 03.2008
- Responsible for acquisition for retail savings bank account and current account from mass market and premium customer category
- Mutual funds sales, life and health insurance sales were the part of KRA
- I had achieved one contest of acquiring 5 premier SB accounts(Avg
- Bal
- Of 25 lakhs) in one month.
Business Development Manager
PNB Principal Asset Management Co. Ltd.
02.2006 - 06.2006
- Joined as BDM and responsible for development of business across eastern part of Chhattisgarh
- In a small stint of 4 months I had successfully gathered more then 20 Cr
- In two different NFOs which was much above the target
- In this small during of 4 month I had empanelled more the 25 independent qualified distributors across eastern part of Chhattisgarh.
Sales Manager
IDBI Bank Ltd
05.2005 - 06.2006
- I was responsible for acquisition of SB and Current account number by leading the team of 10 direct sales team members along with 2 tele callers
- Month on month targets were being achieved along with NAV targets
- Later on, third party products were introduced as an insurance and selling of mutual funds
- All targets were being achieved month on month.
Education
High School - NA
MP Board
Raipur, India 06.1997 - 06.2002
Some College (No Degree) - NA
MP Board
RaipurBachelor of Science - Science Education
Pandit Ravishankar Shukla University
Raipur, India 04.1997 - 06.2002
Skills
- Customer Service
- Branch Operations Management
- Staff Management
- Excellent work ethic
- Interviewing and Hiring
- Process Improvement
- Client Relationship Management
- Team Player
- Sales Development
Certification
AMFI Mutual Fund Distribution Module
Contactno
9826387658
Personal Information
- Passport Number: J3889501
- Passport Expiry Date: 10/09/2033
- Date of Birth: 06/06/79
Timeline
Branch Manager
HDFC Bank
04.2022 - Current
Branch Manager
HDFC Bank Ltd
04.2013 - 03.2022
Branch Manager
HDFC Bank
04.2011 - 03.2013
Branch Manager
Citi Financial
04.2008 - 03.2011
Asst. Manager Sales
HSBC Bank
06.2006 - 03.2008
Business Development Manager
PNB Principal Asset Management Co. Ltd.
02.2006 - 06.2006
Sales Manager
IDBI Bank Ltd
05.2005 - 06.2006
High School - NA
MP Board
06.1997 - 06.2002
Bachelor of Science - Science Education
Pandit Ravishankar Shukla University
04.1997 - 06.2002
Some College (No Degree) - NA
MP Board
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